Kiavi Funding in Indiana vs the state
8.5%Denial rate-8.03 pts vs state
13.4%Decision denial rate-6.74 pts vs state
54.1%Origination rate-8.17 pts vs state
9.95%Median rate+3.20 pts vs state
—Rate spread (pts)
—Median applicant income
861Loans originated
136Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 391 | 229 | 16.1% | 10.95% | #113 |
| 2024 | 832 | 639 | 7.1% | 10.95% | #76 |
| 2025 | 1,592 | 861 | 8.5% | 9.95% | #54 |
What Kiavi Funding lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 381 | 251 | 42 | 11.0% |
| Marion County | 369 | 206 | 43 | 11.7% |
| St. Joseph County | 115 | 88 | 6 | 5.2% |
| Allen County | 111 | 32 | 7 | 6.3% |
| Delaware County | 72 | 27 | 0 | 0.0% |
| Vanderburgh County | 70 | 16 | 2 | 2.9% |
| Madison County | 61 | 41 | 3 | 4.9% |
| Elkhart County | 46 | 35 | 3 | 6.5% |
| Porter County | 37 | 25 | 5 | 13.5% |
| Jennings County | 32 | 0 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 1,592 applications in 2025, of which 861 were originated and 136 denied.
8.5% of all applications, or 13.4% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Kiavi Funding originated in Indiana in 2025 was 9.95%, against a statewide median of 6.75%.
About this data. Figures are Kiavi Funding's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology